Remote opportunity at
EarnInStaff Risk Analyst
EarnIn operates as an earned wage access pioneer, designing financial tools that offer real-time flexibility for individuals living paycheck to paycheck. The platform lets users access…
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About This Role
EarnIn operates as an earned wage access pioneer, designing financial tools that offer real-time flexibility for individuals living paycheck to paycheck. The platform lets users access their earnings as they accrue them, providing methods to spend, save, and grow money without mandatory fees, interest rates, or credit checks. Backed by prominent funding partners and an experienced leadership team, the organization maintains a healthy core business experiencing rapid expansion. The risk…
Job Description
EarnIn operates as an earned wage access pioneer, designing financial tools that offer real-time flexibility for individuals living paycheck to paycheck. The platform lets users access their earnings as they accrue them, providing methods to spend, save, and grow money without mandatory fees, interest rates, or credit checks. Backed by prominent funding partners and an experienced leadership team, the organization maintains a healthy core business experiencing rapid expansion.
The risk team applies a unique methodology to portfolio management, risk oversight, and community member interactions. As a Staff Risk Analyst, you will leverage analytics, experimentation, and data science to transform data into actionable insights supporting company growth. This position oversees risk analytics centered on credit risk management, focusing particularly on member retention, limit and maximum policies, and forecasting.
This opportunity suits an experienced analytical professional who thrives in a dynamic, fast-paced setting and enjoys cross-functional collaboration. Candidates will work closely with product, engineering, machine learning, and operations units to translate data into implemented product and policy updates.
Responsibilities
- Manage member credit limit policies by balancing risk exposure, churn, and retention
- Design, execute, and analyze A/B tests and policy experiments to drive concrete policy adjustments
- Oversee reporting and forecasting infrastructure to maintain portfolio and risk performance visibility
- Explore data proactively to refine risk management approaches and detect emerging risk trends
- Establish performance metrics and construct dashboards to track portfolio and policy outcomes
- Collaborate with Machine Learning, Product, Engineering, and Operations teams to implement policy and product changes
- Partner with the Machine Learning group throughout the model development lifecycle to inform model creation
- Observe production models over time to track stability, performance, and identify degradation
- Work with Product to understand customer feedback and design risk policies centered on the user experience
Requirements
- Seven or more years of professional background in a credit risk strategy, decision science, or credit risk analytics function
- Advanced proficiency in SQL alongside comfort using Python for experimentation and analysis
- Familiarity with fintech risk principles, including portfolio monitoring, limit or max policies, and risk strategy creation
- Demonstrated ability in designing and evaluating policy experiments or A/B tests
- Experience working with curve-based or forecasting modeling such as usage, loss, or cash flow forecasts
Qualifications
- Background within consumer financial products or fintech sectors
Core Skills
Benefits
- Base salary range of $173,928 to $245,773
- Equity compensation
- Standard company benefits
Frequently Asked Questions
Is this position remote?
Yes, this is a remote role in the United States, though individuals living near the MountainView headquarters are required to work in the office two days a week.
What is the salary range for the Staff Risk Analyst position?
The base salary ranges from $173,928 to $245,773, with exact figures determined by role, level, and location, plus equity and benefits.
What level of experience is required for this role?
Applicants must have seven or more years of experience in a risk strategy, decision science, or credit risk analytics role.
What type of employment is this?
This is a full-time position.
Sample Interview Questions
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